with chantix and with the support system it worked. it worked for me. [ male announcer ] ask your doctor if chantix is right for you. >> clayton: welcome back. whether or not we go over the fiscal cliff there are major hurdles that could staal stand in the way of small businesses growing in 2013. >> juliet: here with top five business protection predictions business 2013. let's get to it five business predictions for 2013, things businesses need to do. start with number one. managing obama care. >> well, obviously the patient protection affordable healthcare act kicks in 2013. a lot of business customers are coming to tus and they need solutions. i think you are going to see businesses start to manage their employee head count going from full-time employees to part-time employees. actually some businesses thinking of taking head count and creating two companies to get under 50 employee limit. >> clayton: splitting up the companies so not to hit those. more credit is going to be available? >> pretty tight. credit is still tight. regulat